Digital Lending
Unleash the Power of Digital Credit. Limitless Credit Solutions.
Built for a Boundary-less World
Ranked #1 in Digital Lending for delivering innovative solutions & measurable results
Intellect Digital Lending (IDL) is a cutting-edge digital credit management system designed to meet the evolving needs of credit seekers and financial institutions. Empowering FIs to offer both commoditized and specialized credit products across Retail, Corporate, SME, and Agri segments, IDL ensures a seamless, efficient approach to the digital credit landscape.
With the ‘Always On, Always Aware’ concept, IDL enables real-time, informed credit decisions, providing banks with a 360-degree view of customer portfolios. The DIY model allows banks to create products on-the-fly, ensuring flexibility. The fully automated, robust architecture drives enhanced operational efficiency, reducing costs. IDL integrates Credit Origination, Loan Servicing, Debt Management, and Collateral & Limits Management, with each component also available as standalone products, supporting digital credit transformation at every stage.
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Transforming Credit Management
01
Accelerated Credit
Origination
Achieve 3x growth in origination volume,
enabling faster customer acquisition
Seamless API onboarding
& documentation
02
Comprehensive Credit
Lifecycle Management
Manage everything from credit origination
to servicing, collections, and delinquency
Gain a 360-degree view of borrower exposure, ensuring better credit decisions
03
Built on Future-Ready
Architecture
Proven capability to handle 10,000+ TPS with real-time event streaming
Cloud-ready platform supporting on-premises, public, and hybrid deployments
04
Empowered Risk
Mitigation
Intelligent underwriting powered by AI ensures faster and more accurate decisions
Real-time margin tracking and multi-dimensional exposure views minimize credit risks
Preferred Digital Lending solution for top banks globally
Revolutionizing Lending Operations
Digital Lending – Overall Architecture
Diverse loan products
Comprehensive loan lifecycle management
Integration of functional capabilities
Why choose Digital Lending?
Experiencia de incorporación fluida
- Omni-channel origination with customer initiated/ RM assisted journeys
- API-based origination enabling collaboration with fintechs
- Digital data aggregation through structured and unstructured data sources
- Zero touch documentation enabled by digital signatures
Accelerate Growth with Scalability
- Proven to handle 10 million+ accounts and process thousands of transactions per second
- Cloud-native platform ensures seamless scalability across geographies and business segments
Future-Ready Architecture
- Built on MACH principles (Microservices, API-first, Cloud-native, Headless) for unmatched flexibility
- Real-time data streaming and embedded AI enable dynamic decision-making and operational efficiency
Comprehensive Credit Ecosystem
- Integrate seamlessly with fintechs, credit bureaus, and third-party systems via 1,200+ APIs
- Modular design allows independent deployment of components, ensuring progressive modernization
Minimizar los riesgos crediticios
- Supervisión centralizada en tiempo real de diversas líneas de negocio
- Vista de exposición multidimensional
- Visión única de la exposición del prestatario en múltiples niveles
- Real-time margin tracking
Maximizar la recaudación
- Real-time loan performance analysis
- Personalized follow up
- Intuitive collection score for segmentation
- Customer-centric strategies and streamlined collection processes
Lo que dicen nuestros clientes
Transformar
Desafíos en
historias de éxito
Caso práctico: Intellect impulsa el crecimiento agresivo de YES Bank, uno de los principales bancos privados de la India
50% reduction in loan processing time
100% digital onboarding for MSME customers
Powered on-the-go approvals, slashing approval times by 30% for preferred business lines
Case Study: Bank implements Intellect Collaterals and Limits Management System across Asia Pacific and Europe
Innovaciones galardonadas
Intellect ocupa el tercer puesto en liderazgo mundial - Distribución geográfica en la tabla de clasificación de ventas IBSi 2024
Intellect ocupa el 2º puesto entre los líderes regionales de Norteamérica en la tabla de clasificación de ventas IBSi 2024
Clasificado nº 2 en préstamos islámicos al por menor en la IBSi Sales League Table 2024
Número 1 en préstamos minoristas en la tabla de clasificación de ventas IBSi 2024
Número 1 en préstamos minoristas en la clasificación anual de ventas de IBS 2022
Número 1 en amplitud de productos en la clasificación anual de ventas del IBS 2022
Regional Leader (ASEAN) in IBS Annual Sales League Table 2022
Explora.
Aprende.
Innova.
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Money 20/20 Asia - 2024 Concierte una reunión
Eventos11 de marzo de 2024 -
Cumbre sobre Banca Digital e IA 2024 - Riad
Eventos9 de febrero de 2024 -
VakifBank International AG, elige la plataforma de préstamos y Digital Core basada en eMACH.ai para su implantación en varios países.
Noticias7 de febrero de 2024
Preguntas frecuentes
How does Digital Lending empower financial institutions?
Digital Lending provides a fully automated, all-in-one lending platform. It integrates origination, servicing, and debt management, enabling FIs to offer seamless, real-time, and efficient credit services
What is unique about 'Always On, Always Aware' concept?
This concept ensures banks deliver real-time, digital-first solutions. It empowers banks to make informed credit decisions, enabling a 360-degree credit portfolio view for customers
How does Lending simplify exposure and collateral management?
Intellect’s CLMS provides real-time exposure and collateral monitoring with centralized asset tracking, ensuring a single source of truth for secured and unsecured credit exposures
What types of credit products does Lending support?
Lending supports a range of credit products, including retail, corporate, SME, and agricultural loans, with flexibility for customization to meet diverse business needs.
How does Lending reduce operational costs?
Lending robust architecture automates workflows, minimizes manual interventions, and ensures efficient processes, resulting in significantly lower operational costs.
